There’s no real good or clear answer to your dilemma.
It sounds like money is an issue in your budget, and that at best you could replace this Camry with another used vehicle (though newer). While that may sound appealing… the truth is that even newer used cars can and will have problems. You also generally don’t know any of the prior maintenance history on a used (new to you) car.
Meaning that: you may still have issues/repairs with the new to you car.
At least you know the maintenance history on your Camry. You also have an idea of what work (which is only standard maintenance, really) needs to be done.
A Camry would be ideal for carrying kids (and their stuff) around, since you mentioned wanting to start a family. A paid for vehicle is also a blessing with a young family, believe me.
My leaning would be toward keeping the Camry. I’d take it to at least one more mechanic, have them look it over for what maintenance needs to be done, and what can wait. You might be surprised what different mechanics find and say about your car.
Good luck.